Debt collection -- False statements or representation -- Complaint #5833024
Complaint Overview
Complaint ID: 5833024
Company: Cottonwood Financial Ltd.
Product: Debt collection
Sub-Product: Payday loan debt
Issue: False statements or representation
Sub-Issue: Impersonated attorney, law enforcement, or government official
State: Texas
ZIP Code: 78550
Date Received: 2022-08-01T12:00:00-05:00
Date Sent to Company: 2022-08-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am getting threatening phone calls saying they're going to garnish my wages calling from an attorney 's office and that they were going to threaten the payday loan to court the phone number that they're calling me on is XXXX they called me XX/XX/XXXX around XXXX p.m. I told the representative that that loan was not taken out recently it was taken out many many years ago so it should have already been taken care of and off my credit I did advise the representative that all calls were going to be recorded and she advised me that I'm not recording the phone call I have asked them before to stop calling me and they still are threatening me with this They are saying it is from The Cash store
Frequently Asked Questions
What is Complaint #5833024 about?
Complaint #5833024 was filed against Cottonwood Financial Ltd. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2022-08-01T12:00:00-05:00.
How did Cottonwood Financial Ltd. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Cottonwood Financial Ltd.?
Yes, visit the Cottonwood Financial Ltd. company profile at readthecomplaint.com/company/cottonwood-financial-ltd to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.